If your company provides financing, you can benefit from a solution that effectively detects and prevents fraud—protecting both individual and business clients.
Since its launch in 2017, the BIK Fraud Prevention Platform has helped prevent losses exceeding PLN 1.155 billion due to fraud (as of the end of June 2025). Notably, in the area dedicated to business data fraud prevention—introduced in June 2020—the platform has safeguarded companies from losses totalling nearly PLN 185 million.
Using over 150 anti-fraud rules, including dedicated rules for factoring products, the platform detects fraud at the earliest stage—during initial customer data collection. Verification in the PAF database is performed in real time, with an average processing time of just 2 seconds.
Every organisation that joins BIK’s fraud prevention services contributes to strengthening the security of the entire financial sector.
Currently, 39 companies—including banks, lending institutions, leasing and factoring firms—actively use the BIK Fraud Prevention Platform. A further 12 organisations are in the process of onboarding or planning integration projects (as of July 2025). This expanding network enables more effective fraud detection and prevention.
In the area of individual data, the most common types of fraud involve compromised personal or contact details, often combined with false employment information.
In business data verification, fraud is frequently committed using falsified financial documents, inflated asset values, or duplicated personal data concealed within organisational structures to obscure unreliable beneficial owners and related entities.
Organisations using the system gain access to two key services:
Fraud Scoring – focused on individual data
PAF Business Linkage – focused on business data
Both services significantly enhance the data verification process within PAF.
Fraud Scoring includes two detection models:
BIKSco FraudRisk
BIKSco EarlyDelinquencyRisk
These models are built using machine learning techniques and are based on data processed within BIK’s information systems.
PAF Business
Linkage verifies personal connections between entities using
data published in the Court and Commercial Gazette.
In the
factoring sector, the platform also identifies attempts to obtain
duplicate financing using the same contractor–factor pair.
Our analysis shows that fraudsters often reuse the same data across multiple attempts. With your participation, we can detect these patterns more easily. Your involvement means more data, better insights, and a stronger platform.
We are committed to supporting the entire financial sector—individual clients and businesses alike—in creating a safer, more trustworthy environment for doing business in Poland.
Request a consultation with an advisor.
